China's Commercial Banks To Optimize The Revenue Structure Of The Countermeasures

Generally speaking, the earning structure of the commercial bank in China is divided into two parts: interest earning and non-interest earning, in which the latter is also divided into mid-business earning and other earnings. For a long time past, the operation earnings of commercial bank in China has heavily depended on the interests for the traditional deposits and loans, which composed the primary business in stead of the off-balance sheet business, esp. mid-business which has the specialty of low consumption of assets. Comparatively, the commercial banks in foreign countries have been found to have a rapidly upward trend in mid-business, as a result the non-interest earnings occupies a pivotal position. With the development of financial industry, the earning structure and operation area of commercial banks in China have made unceasing progress, but they still have a long way to go.With the entrance to WTO and the finishing of interim for finance, the reform of financial system and interest rate market in China have developed in depth rapidly. The singleness of earning results in contradiction between operation risks and total earning, so transformation of business structure should be of great urgency. The commercial banks in China must make efforts to economize assets, quicken the space to develop mid-business and innovate upon traditional business to realize the balance of operation mode.Since 1990' s, the western commercial banks have made lots of research on 'bank reforger' , in which one of the most important parts is reforger of earning structure of commercial banks. Chinese financial academe has paid attention to it as well, and their opinion in general is that in Chinese commercial bank the mid-business earning occupy lower proportion and it becomes more and more important to find the reasons and establish effective strategies. This article uses some of the opinions for reference, and studies on operation earnings of commercial banks in China to put forward strategies of optimization:...